| U.S. BANKER RANKINGS | | One-Year Ranking of the 100 Largest US Banking Companies Based on Return on Equity and Growth in Per-Share Earnings - 2000 Earnings based on EPS after extraordinary items | 1-Year | | Asset | Industry | | Total Assets | Total Equity | Equity/Assets | ROAE | 1-Yr ROAE | 1-Yr EPS | 1-Yr EPS | Total | Rank | Company | Rank | Type | Ticker | ($Bil.) | ($Mil.) | (%) | 2000 (%) | Rank | Growth (%) | Gr Rank | Score | | 1 | Lehman Brothers Holdings, New York | 11 | Broker/Dealer | LEH | 224.7 | 7,781 | 3.46 | 25.24 | 8 | 56.37% | 4 | 12 | | 2 | FleetBoston Financial Corp., Boston | 13 | Bank | FBF | 179.5 | 16,172 | 9.01 | 22.49 | 14 | 75.24% | 2 | 16 | | 3 | Capital One Fin. Corp., Falls Church, VA | 52 | Specialty Lender | COF | 18.9 | 1,963 | 10.39 | 27.01 | 4 | 30.23% | 13 | 17 | | 4 | Merrill Lynch & Co., New York | 7 | Broker/Dealer | MER | 407.2 | 18,304 | 4.50 | 24.33 | 9 | 33.01% | 12 | 21 | | 5 | MBNA Corp., Wilmington, DE | 35 | Specialty Lender | KRB | 38.7 | 6,627 | 17.13 | 25.79 | 6 | 26.45% | 16 | 22 | | 6 | Providian Financial Corp., San Francisco | 56 | Specialty Lender | PVN | 18.1 | 2,032 | 11.26 | 39.22 | 2 | 17.99% | 24 | 26 | | 7 | Raymond James Fin., St. Petersburg, FL | 100 | Broker/Dealer | RJF | 6.3 | 651 | 10.31 | 20.71 | 21 | 51.70% | 7 | 28 | | 8 | Morgan Stanley, New York. | 6 | Broker/Dealer | MWD | 426.8 | 19,271 | 4.52 | 30.07 | 3 | 15.37% | 29 | 32 | | 9 | U.S. Bancorp, Minneapolis | 18 | Bank | USB | 77.6 | 6,528 | 8.41 | 20.19 | 27 | 51.72% | 6 | 33 | | 10 | Sky Financial Group, Bowling Green, OH | 86 | Bank | SKYF | 8.4 | 610 | 7.27 | 19.78 | 30 | 64.63% | 3 | 33 | | 11 | Citigroup, New York | 1 | Bank | C | 902.2 | 66,206 | 7.34 | 21.97 | 15 | 20.74% | 20 | 35 | | 12 | TCF Financial Corp., Minneapolis | 73 | Bank | TCB | 11.2 | 910 | 8.13 | 22.64 | 13 | 17.50% | 25 | 38 | | 13 | Northern Trust Corp., Chicago | 37 | Bank | NTRS | 36.0 | 2,463 | 6.84 | 21.19 | 17 | 19.54% | 21 | 38 | | 14 | Household International, Prospect Heights, IL | 20 | Specialty Lender | HI | 76.7 | 8,116 | 10.58 | 23.09 | 11 | 15.64% | 28 | 39 | | 15 | Fannie Mae, Washington | 3 | Specialty Lender | FNM | 675.1 | 20,838 | 3.09 | 23.58 | 10 | 15.32% | 30 | 40 | | 16 | Wilmington Trust Corp., Wilmington, DE | 93 | Bank | WL | 7.3 | 592 | 8.08 | 22.76 | 12 | 15.26% | 31 | 43 | | 17 | FirstMerit Corp., Akron, OH | 77 | Bank | FMER | 10.2 | 915 | 8.96 | 18.53 | 35 | 37.40% | 9 | 44 | | 18 | Fifth Third Bancorp, Cincinnati | 30 | Bank | FITB | 45.9 | 4,891 | 10.67 | 19.45 | 32 | 27.97% | 14 | 46 | | 19 | Mellon Financial Corp., Pittsburgh | 27 | Bank | MEL | 50.4 | 4,152 | 8.24 | 25.79 | 7 | 9.73% | 42 | 49 | | 20 | Downey Financial Corp., Newport Beach, CA | 75 | Thrift | DSL | 10.9 | 625 | 5.73 | 17.17 | 44 | 55.31% | 5 | 49 | | 21 | Charter One Financial, Cleveland | 41 | Thrift | CF | 33.0 | 2,456 | 7.45 | 18.00 | 41 | 36.99% | 10 | 51 | | 22 | City National Corp., Beverly Hills, CA | 80 | Bank | CYN | 9.1 | 744 | 8.17 | 19.72 | 31 | 18.26% | 23 | 54 | | 23 | Washington Mutual, Seattle | 12 | Thrift | WM | 194.7 | 10,166 | 5.22 | 21.15 | 18 | 12.03% | 37 | 55 | | 24 | Cullen/Frost Bankers, San Antonio, TX | 91 | Bank | CFR | 7.7 | 575 | 7.50 | 20.41 | 22 | 14.04% | 35 | 57 | | 25 | Westcorp, Irvine, CA | 88 | Thrift | WES | 7.9 | 487 | 6.19 | 17.80 | 42 | 27.14% | 15 | 57 | | 26 | Roslyn Bancorp, Jericho, NY | 90 | Thrift | RSLN | 7.7 | 581 | 7.58 | 15.78 | 56 | 425.93% | 1 | 57 | | 27 | Synovus Financial Corp., Columbus, GA | 63 | Bank | SNV | 14.9 | 1,417 | 9.51 | 20.14 | 28 | 15.00% | 32 | 60 | | 28 | Student Loan Corp., Stamford, CT | 60 | Specialty Lender | STU | 16.2 | 572 | 3.52 | 19.29 | 34 | 17.23% | 26 | 60 | | 29 | Commerce Bancorp, Cherry Hill, NJ | 87 | Bank | CBH | 8.3 | 492 | 5.93 | 19.81 | 29 | 14.75% | 34 | 63 | | 30 | Webster Financial Corp., Waterbury, CT | 72 | Thrift | WBST | 11.2 | 890 | 7.91 | 16.72 | 45 | 21.43% | 18 | 63 | | 31 | Comerica Inc., Detroit | 33 | Bank | CMA | 42.0 | 4,007 | 9.54 | 20.20 | 26 | 11.84% | 38 | 64 | | 32 | Freddie Mac, McLean, VA | 5 | Specialty Lender | FRE | 459.3 | 14,837 | 3.23 | 19.32 | 33 | 14.86% | 33 | 66 | | 33 | Golden State Bancorp, San Francisco | 24 | Thrift | GSB | 60.5 | 2,151 | 3.55 | 20.25 | 25 | 6.49% | 47 | 72 | | 34 | Valley National Bancorp, Wayne, NJ | 99 | Bank | VLY | 6.4 | 545 | 8.48 | 20.28 | 24 | 6.06% | 49 | 73 | | 35 | Charles Schwab Corp., San Francisco | 36 | Broker/Dealer | SCH | 38.2 | 4,230 | 11.07 | 21.00 | 19 | 4.08% | 56 | 75 | | 36 | Golden West Financial Corp., Oakland, CA | 26 | Thrift | GDW | 55.7 | 3,687 | 6.62 | 15.86 | 55 | 18.82% | 22 | 77 | | 37 | PNC Financial Services Group, Pittsburgh | 22 | Bank | PNC | 69.8 | 6,656 | 9.53 | 20.84 | 20 | 3.86% | 58 | 78 | | 38 | USA Education, Reston, VA | 28 | Specialty Lender | SLM | 48.8 | 1,415 | 2.90 | 41.22 | 1 | -9.80% | 81 | 82 | | 39 | Citizens Banking Corp., Flint, MI | 85 | Bank | CBCF | 8.4 | 680 | 8.09 | 13.94 | 74 | 49.22% | 8 | 82 | | 40 | BOK Financial Corp., Tulsa, OK | 78 | Bank | BOKF | 9.7 | 704 | 7.22 | 16.46 | 49 | 12.50% | 36 | 85 | | 41 | Compass Bancshares, Birmingham, AL | 51 | Bank | CBSS | 20.0 | 1,480 | 7.41 | 18.19 | 38 | 6.38% | 48 | 86 | | 42 | Associated Banc-Corp, Green Bay, WI | 68 | Bank | ASBC | 13.1 | 969 | 7.38 | 18.26 | 36 | 5.13% | 51 | 87 | | 43 | Mercantile Bankshares Corp., Baltimore | 82 | Bank | MRBK | 8.9 | 1,173 | 13.13 | 16.62 | 48 | 11.56% | 40 | 88 | | 44 | Bank of New York Co., New York | 19 | Bank | BK | 77.1 | 6,153 | 7.98 | 26.08 | 5 | -15.42% | 84 | 89 | | 45 | National City Corp., Cleveland | 16 | Bank | NCC | 88.5 | 6,770 | 7.65 | 21.21 | 16 | -4.05% | 74 | 90 | | 46 | Fulton Financial Corp., Lancaster, PA | 98 | Bank | FULT | 6.6 | 679 | 10.34 | 16.64 | 47 | 9.02% | 43 | 90 | | 47 | Commerce Bancshares, Kansas City, MO | 74 | Bank | CBSH | 11.1 | 1,144 | 10.29 | 16.22 | 51 | 11.74% | 39 | 90 | | 48 | State Street Corp., Boston | 23 | Bank | STT | 69.3 | 3,262 | 4.71 | 20.31 | 23 | -3.97% | 73 | 96 | | 49 | First Citizens BancShares, Raleigh, NC | 76 | Bank | FCNCA | 10.7 | 811 | 7.58 | 12.88 | 77 | 21.04% | 19 | 96 | | 50 | SunTrust Banks, Atlanta | 15 | Bank | STI | 103.5 | 8,239 | 7.96 | 17.25 | 43 | 4.12% | 55 | 98 | | 51 | BancWest Corp., Honolulu | 54 | Bank | BWE | 18.5 | 1,989 | 10.78 | 11.37 | 81 | 25.36% | 17 | 98 | | 52 | Trustmark Corp., Jackson, MS | 94 | Bank | TRMK | 6.9 | 630 | 9.14 | 15.68 | 59 | 10.29% | 41 | 100 | | 53 | Old Kent Financial Corp., Grand Rapids, MI | 47 | Bank | OK | 23.8 | 1,771 | 7.43 | 18.01 | 39 | 1.01% | 62 | 101 | | 54 | SouthTrust Corp., Birmingham, AL | 31 | Bank | SOTR | 45.1 | 3,352 | 7.43 | 15.72 | 57 | 8.75% | 44 | 101 | | 55 | Independence Community Bk Corp., New York | 97 | Thrift | ICBC | 6.6 | 834 | 12.64 | 6.51 | 95 | 36.36% | 11 | 106 | | 56 | Countrywide Credit Industries, Calabasas, CA | 61 | Specialty Lender | CCR | 15.8 | 2,888 | 18.25 | 15.18 | 61 | 6.99% | 46 | 107 | | 57 | Popular Inc., San Juan, PR | 44 | Bank | BPOP | 28.1 | 1,994 | 7.10 | 14.65 | 64 | 7.07% | 45 | 109 | | 58 | Commercial Federal Corp., Omaha | 67 | Thrift | CFB | 13.8 | 988 | 7.16 | 10.85 | 83 | 16.23% | 27 | 110 | | 59 | Regions Financial Corp., Birmingham, AL | 32 | Bank | RGBK | 43.7 | 3,458 | 7.92 | 16.31 | 50 | 1.28% | 61 | 111 | | 60 | First Tennessee National Corp., Memphis | 53 | Bank | FTN | 18.6 | 1,384 | 7.46 | 18.22 | 37 | -4.32% | 75 | 112 | | 61 | Wells Fargo & Co., San Francisco | 8 | Bank | WFC | 272.4 | 26,488 | 9.72 | 16.20 | 52 | 1.75% | 60 | 112 | | 62 | Astoria Financial Corp., Lake Success, NY | 48 | Thrift | ASFC | 22.3 | 1,513 | 6.77 | 16.70 | 46 | -1.14% | 67 | 113 | | 63 | Bank of America Corp., Charlotte, NC | 4 | Bank | BAC | 642.2 | 47,628 | 7.42 | 15.95 | 53 | 0.89% | 63 | 116 | | 64 | Union Planters Corp., Memphis | 39 | Bank | UPC | 34.7 | 2,920 | 8.41 | 14.58 | 66 | 5.26% | 50 | 116 | | 65 | North Fork Bancorp., New York | 64 | Bank | NFB | 14.8 | 1,214 | 8.18 | 18.01 | 40 | -8.55% | 80 | 120 | | 66 | Banknorth Group, Portland, ME | 55 | Bank | BKNG | 18.2 | 1,331 | 7.30 | 15.69 | 58 | -1.49% | 68 | 126 | | 67 | M&T Bank Corp., Buffalo, NY | 42 | Bank | MTB | 28.9 | 2,700 | 9.33 | 14.07 | 72 | 4.88% | 54 | 126 | | 68 | Bear Stearns Companies, New York | 14 | Broker/Dealer | BSC | 171.2 | 5,654 | 3.30 | 14.59 | 65 | 0.38% | 64 | 129 | | 69 | Colonial BancGroup, Montgomery, AL | 69 | Bank | CNB | 11.7 | 757 | 6.45 | 15.87 | 54 | -4.72% | 77 | 131 | | 70 | UnionBanCal Corp., San Francisco | 38 | Bank | UB | 35.2 | 3,212 | 9.13 | 14.01 | 73 | 3.03% | 59 | 132 | | 71 | First Virginia Banks, Falls Church | 79 | Bank | FVB | 9.5 | 993 | 10.43 | 14.36 | 69 | 0.33% | 65 | 134 | | 72 | CIT Group, New York | 29 | Specialty Lender | CIT | 48.7 | 6,007 | 12.34 | 10.66 | 85 | 4.95% | 52 | 137 | | 73 | KeyCorp, Cleveland | 17 | Bank | KEY | 87.3 | 6,623 | 7.59 | 15.39 | 60 | -6.12% | 78 | 138 | | 74 | GreenPoint Financial Corp., New York | 62 | Thrift | GPT | 15.8 | 2,050 | 13.00 | 10.53 | 87 | 4.93% | 53 | 140 | | 75 | Washington Federal, Seattle | 96 | Thrift | WFSL | 6.7 | 759 | 11.30 | 14.36 | 70 | -2.15% | 71 | 141 | | 76 | Marshall & Ilsley Corp., Milwaukee | 45 | Bank | MI | 26.1 | 2,242 | 8.60 | 14.67 | 63 | -7.96% | 79 | 142 | | 77 | AmSouth Bancorp., Birmingham, AL | 34 | Bank | ASO | 38.9 | 2,813 | 7.23 | 11.57 | 80 | 0.00% | 66 | 146 | | 78 | People's Bank, Bridgeport, CT | 70 | Thrift | PBCT | 11.6 | 882 | 7.62 | 13.47 | 75 | -2.21% | 72 | 147 | | 79 | UMB Financial Corp., Kansas City, MO | 89 | Bank | UMBF | 7.9 | 703 | 8.94 | 9.63 | 90 | 4.08% | 57 | 147 | | 80 | Hibernia Corp., New Orleans | 58 | Bank | HIB | 16.7 | 1,480 | 8.86 | 11.95 | 78 | -1.89% | 70 | 148 | | 81 | Heller Financial, Chicago | 50 | Specialty Lender | HF | 20.1 | 2,575 | 12.84 | 11.80 | 79 | -1.82% | 69 | 148 | | 82 | BB&T Corp., Winston-Salem, NC | 25 | Bank | BBT | 59.3 | 4,786 | 8.07 | 14.55 | 67 | -11.43% | 82 | 149 | | 83 | J.P. Morgan Chase & Co., New York | 2 | Bank | JPM | 715.3 | 42,338 | 5.92 | 15.17 | 62 | -22.49% | 89 | 151 | | 84 | Santander BanCorp, Hato Rey, PR | 92 | Bank | SBP | 7.6 | 596 | 7.80 | 13.40 | 76 | -4.47% | 76 | 152 | | 85 | Huntington Bancshares, Columbus, OH | 43 | Bank | HBAN | 28.6 | 2,366 | 8.27 | 14.41 | 68 | -20.00% | 87 | 155 | | 86 | Wachovia Corp., Winston-Salem, NC | 21 | Bank | WB | 74.0 | 6,285 | 8.49 | 14.14 | 71 | -16.94% | 85 | 156 | | 87 | Centura Banks, Rocky Mount, NC | 71 | Bank | CBC | 11.5 | 956 | 8.33 | 11.10 | 82 | -23.53% | 90 | 172 | | 88 | Hudson United Bancorp, Mahwah, NJ | 95 | Bank | HU | 6.8 | 368 | 5.41 | 10.72 | 84 | -22.03% | 88 | 172 | | 89 | Zions Bancorp., Salt Lake City | 49 | Bank | ZION | 21.9 | 1,779 | 8.11 | 9.65 | 89 | -17.70% | 86 | 175 | | 90 | Pacific Century Financial Corp., Honolulu | 65 | Bank | BOH | 14.0 | 1,301 | 9.29 | 9.21 | 92 | -13.41% | 83 | 175 | | 91 | Old National Bancorp, Evansville, IN | 83 | Bank | OLDB | 8.8 | 626 | 7.14 | 10.55 | 86 | -34.81% | 92 | 178 | | 92 | BancorpSouth, Tupelo, MS | 81 | Bank | BXS | 9.0 | 790 | 8.74 | 9.76 | 88 | -26.05% | 91 | 179 | | 93 | Dime Bancorp, New York | 46 | Thrift | DME | 25.7 | 1,725 | 6.71 | 9.39 | 91 | -36.62% | 93 | 184 | | 94 | National Commerce Bancorp., Memphis | 59 | Bank | NCBC | 16.6 | 1,279 | 7.72 | 9.02 | 93 | -53.66% | 95 | 188 | | 95 | Provident Financial Group, Cincinnati | 66 | Bank | PFGI | 13.9 | 991 | 7.15 | 7.75 | 94 | -52.60% | 94 | 188 | | 96 | First Union Corp., Charlotte, NC | 10 | Bank | FTU | 254.2 | 15,347 | 6.04 | 0.59 | 97 | -97.90% | 96 | 193 | | 97 | E*TRADE Group, Menlo Park, CA | 57 | Broker/Dealer | ET | 17.3 | 1,857 | 10.72 | 1.16 | 96 | -128.57% | 99 | 195 | | 98 | Sovereign Bancorp, Philadelphia | 40 | Thrift | SVRN | 33.5 | 1,949 | 5.82 | -1.62 | 98 | -112.87% | 97 | 195 | | 99 | Bank One Corp., Chicago | 9 | Bank | ONE | 269.3 | 18,635 | 6.92 | -2.61 | 99 | -115.25% | 98 | 197 | | 100 | Comdisco Inc., Rosemont, IL | 84 | Specialty Lender | CDO | 8.8 | 1,214 | 13.87 | -5.89 | 100 | -236.67% | 100 | 200 | | Note: Excludes companies for which ROE or EPS data was not available for years 1999 or 2000Source: Raw data from SNL Securities | | | |